The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$72,621
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,879
−HK$2,296/mo
Today · 4.125%
HK$77,175
baseline
▲ 0.50% · 4.625%
HK$81,870
+HK$4,695/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$154,350/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,790
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,956
−HK$2,198/mo
Today · 4.125%
HK$85,154
baseline
▲ 0.50% · 4.625%
HK$89,643
+HK$4,489/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$170,308/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,145
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,855
−HK$2,754/mo
Today · 4.125%
HK$92,609
baseline
▲ 0.50% · 4.625%
HK$98,245
+HK$5,636/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,218/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,948
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,548
−HK$2,637/mo
Today · 4.125%
HK$102,185
baseline
▲ 0.50% · 4.625%
HK$107,572
+HK$5,387/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,370/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,669
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$104,831
−HK$3,213/mo
Today · 4.125%
HK$108,044
baseline
▲ 0.50% · 4.625%
HK$114,619
+HK$6,575/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$216,088/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,106
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$116,139
−HK$3,077/mo
Today · 4.125%
HK$119,216
baseline
▲ 0.50% · 4.625%
HK$125,500
+HK$6,284/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$238,432/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,717
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$134,783
−HK$4,131/mo
Today · 4.125%
HK$138,914
baseline
▲ 0.50% · 4.625%
HK$147,367
+HK$8,453/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$277,828/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,421
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$149,322
−HK$3,956/mo
Today · 4.125%
HK$153,278
baseline
▲ 0.50% · 4.625%
HK$161,358
+HK$8,080/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$306,556/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,521 · Scale 2, in force from 26 Feb 2026)